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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Elberton, GA · FDIC certificate #14065 · RSSD 366238
PINNACLE BANK is an FDIC-insured institution based in Elberton, GA (FDIC certificate #14065). In its Q3 2026 Call Report it reported total assets of $3.9B, total deposits of $3.3B and net loans of $3.0B. Its primary federal regulator is FDIC. Its current parent is VALLANT FINANCIAL, INC..
Reported facts
Deterministic ratios for PINNACLE BANK from its Q3 2026 Call Report. Detailed loan and deposit composition follows below.
| Total deposits | $3.3B |
|---|---|
| Net loans and leases | $3.0B |
Plain-language readout
PINNACLE BANK in Elberton, GA funds its loans with $3.3B of deposits and holds $3.0B of net loans, as reported for Q3 2026. The ratios below show how that funding, capital and credit quality compare with the amounts on the balance sheet.
No capital, liquidity or asset-quality ratios are reported for PINNACLE BANK in Q3 2026; none is estimated.
Against banks of similar size for the same filing period: Brokered deposits to domestic deposits: 0.000 against a peer median of 0.016, a 0.0th percentile position among 890 peers. Common equity tier 1 ratio: 0.121 against a peer median of 0.135, a 25.0th percentile position among 673 peers. Selected CRE loans to gross loans and leases: 0.539 against a peer median of 0.468, a 69.1th percentile position among 862 peers. Selected CRE loans to total capital: 3.781 against a peer median of 2.970, a 77.1th percentile position among 659 peers.
The loan-to-deposit ratio computed from net loans and total deposits was 89.32% in Q3 2026, against 80.70% in Q4 2023. A rising ratio means the bank is lending a larger share of its deposits.
| Quarter | Net loans | Deposits | Loan-to-deposit |
|---|---|---|---|
| Q3 2026 | $3.0B | $3.3B | 89.32% |
| Q2 2026 | $2.9B | $3.5B | 85.19% |
| Q1 2026 | $1.7B | $2.1B | 82.76% |
| Q4 2025 | $1.7B | $2.0B | 83.14% |
| Q3 2025 | $1.6B | $2.0B | 82.51% |
| Q2 2025 | $1.6B | $2.0B | 78.82% |
| Q1 2025 | $1.6B | $2.0B | 76.64% |
| Q4 2024 | $1.5B | $2.0B | 78.00% |
| Q3 2024 | $1.5B | $1.9B | 79.49% |
| Q2 2024 | $1.5B | $1.9B | 78.12% |
| Q1 2024 | $1.5B | $1.9B | 78.03% |
| Q4 2023 | $1.5B | $1.9B | 80.70% |